Major new health reform benefits take effect today to help keep health insurance companies accountable, lower health care costs, guarantee more health care choices, and enhance the quality of health care for all Americans. Starting today, insurers will be required to: Keep you covered when you get sick : Simple mistakes or typos will no longer be grounds for insurance companies to cancel your insurance. Cover kids with pre-existing conditions : Your kids can no longer be denied health coverage just because they have a pre-existing condition like hay fever, asthma, or previous sports injuries...